Personal Loan

Fast Personal Loans for Every Need

Get instant personal loans with competitive rates, minimal documentation and disbursement in as fast as 24 hours. No collateral required.

Apply Now — Free Talk to Advisor
₹50L+
Max Loan Amount
10.5%
Starting Interest
24hr
Fast Disbursement
60Mo
Max Tenure
Overview

Why Choose a Personal Loan?

A personal loan is the most versatile financial product — borrow for any purpose without pledging any asset.

Instant Approval
Get approval within 2 hours of submitting your application. Our partner banks prioritize personal loan applications.
Paperless Process
100% digital application. Upload documents online — no branch visits, no physical paperwork required.
Flexible Repayment
Choose a tenure from 12 to 60 months. Prepayment and foreclosure options available without heavy penalties.
No Collateral Required
Personal loans are unsecured — you don't need to pledge any property, gold or assets as security.

Loan at a Glance

Key details for personal loans

Loan Amount₹50K – ₹50L
Interest Rate10.5% – 24% p.a.
Tenure12 – 60 Months
Processing FeeUp to 3%
CollateralNot Required
DisbursementWithin 24–48 hrs
Age Criteria21 – 60 Years
Min. Income₹15,000/month
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Benefits

Benefits of Personal Loan

Experience a seamless borrowing journey with unmatched advantages.

Instant Approval

Get in-principle approval within minutes. Our digital process ensures your application is reviewed round the clock.

No Collateral

Borrow without pledging any asset. Personal loans are 100% unsecured — your property stays yours.

Flexible Tenure

Choose any repayment period between 12 and 60 months to match your cash flow and budget.

Competitive Rates

We negotiate across 50+ lenders to find you the best interest rate. Starting from just 10.5% p.a.

Minimal Paperwork

Just 4–5 basic documents required. Our team helps you compile and submit them digitally in minutes.

Dedicated RM

A personal relationship manager guides you every step — from application to final disbursement.

Eligibility

Eligibility Criteria

Check if you qualify for a personal loan from UPLOANMITRA's banking partners.

Age: 21 – 60 years (at loan maturity)
Salaried: Minimum ₹15,000/month net income
Self-Employed: Min ₹2 Lakh annual income (ITR required)
Minimum CIBIL Score: 650+ (higher score = better rates)
Employment: Min 1 year at current employer (salaried)
Indian citizen or NRI with valid documents
Existing EMI obligations below 50% of income
Resident of India (metro, tier-2 or tier-3 cities)
Check Your Eligibility Free
Interest Rates

Personal Loan Interest Rates

Comparison of rates across our banking partners. Final rate depends on your profile.

Bank / NBFCInterest RateLoan AmountTenureProcessing FeeStatus
HDFC Bank10.50% – 21%₹50K – ₹40L12 – 60 MoUp to 2.5%Available
ICICI Bank10.75% – 19%₹50K – ₹50L12 – 60 MoUp to 2.25%Available
SBI11.00% – 15%₹25K – ₹20L12 – 72 Mo1% – 3%Available
Axis Bank10.99% – 22%₹50K – ₹40L12 – 60 Mo1.5% – 2%Available
Kotak Mahindra10.99% – 24%₹50K – ₹35L12 – 60 MoUp to 2.5%Available
Bajaj Finserv13.00% – 26%₹30K – ₹35L12 – 84 MoUp to 4%On Request

* Rates indicative. Final rates depend on applicant credit profile. Contact us for best rates.

Documents

Required Documents

Simple document requirements — our team helps you prepare everything.

Identity & KYC
PAN Card (mandatory)
Aadhaar Card
Passport / Voter ID (any one)
Recent Passport-size Photo
Income Proof
Last 3 months Salary Slips
ITR (last 2 years) for self-employed
Bank Statement (6 months)
Form 16 / Employment Letter
FAQs

Personal Loan FAQs

You can borrow up to ₹50 Lakhs through our partner banks, depending on your income, credit score, and repayment capacity. Most salaried individuals qualify for 10–20x their monthly income.
In most cases, once approved, the amount is credited to your account within 24–48 business hours. Some banks offer same-day disbursal for pre-approved customers.
Yes. Most lenders allow part-prepayment after 12 EMIs. Full foreclosure is also available, usually with a small fee (1–4% of outstanding balance). We help you find lenders with zero prepayment charges.
Every loan application triggers a hard inquiry which may temporarily dip your score by 5–10 points. However, consistent on-time repayment will significantly improve your credit score over time.
Yes, we have NBFC partners who offer personal loans for scores as low as 600. Higher scores attract lower rates. Our advisors can guide you on improving your score for better terms.
Ready to Apply?

Get Your Personal Loan Today

Apply in 2 minutes. Get approval in hours. Disbursement within 24 hours.

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Personal Loan — Apply Now
Rates from 10.5% p.a. · Disbursement in 24 hrs
Apply Now Calculate EMI